Finding an affordable place to live in Toronto is tough enough.
But just try raising a family there. That's when things reach near-impossible heights.
Sky View Suites, a property management company that offers short-term rentals and extended stays in the 6ix, has released a map showing just how much it costs to buy a three-bedroom home throughout the city, by subway station.
The map, using data collected over the past year, shows that a family earning an average income in Toronto would have a tough time buying a three-bedroom home anywhere outside some far-flung areas.
The most recent estimate for average family income in Toronto, from 2013, is $86,600, according to Statistics Canada.
The Canada Mortgage and Housing Corporation (CMHC) considers housing affordable if it takes up less than 30 per cent of your annual income.
So a rough calculation sets affordable housing at $25,980 per year for the average Toronto family income.
A gated home on the affluent Bridle Path. York Mills is one of its closest stations. Three-bedroom homes, on average, were most expensive near that station between June 2015 and 2016. (Photo: Century 21)
York Mills is the most expensive station on the map, at an average price of $3.546 million.
Add a three-per-cent interest rate and a 25-year amortization, that would cost you about $146,095.20 per year.
Well outside any semblance of affordability.
Upper Beach Estates, a development located between Victoria Park Drive and Main Street in Toronto. A fence separates homes from the railway tracks. (Photo: Tibor Kolley/Globe and Mail via CP)
The cheapest station on the map is Victoria Park, where the average price was $653,000.
Do the same calculations, and you come up with an annual housing cost of $26,903.60. That takes up 31 per cent of average incomes. Just outside the affordability range, but still reasonable.
The price of a three-bedroom home generally grows the closer you come to Bloor-Yonge station, though there were some surprises.
A three-bedroom home at Wellesley station sold at an average price of $856,000 last year. While at College, a station just to the south, the average selling price was $1.089 million.
This isn't the first time that Sky View Suites has published a subway map showing how much it costs to live near certain stops.
Earlier this year, the company published a map showing how much it costs to rent a one- or two-bedroom unit throughout the city.
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